Cheapest Car Insurance Quotes in Oakland

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Oakland Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Oakland

The car insurance rate in Oakland is $1569 for a six-month policy, which is $32 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1002, making it a popular choice for budget-conscious drivers. Rates in Oakland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Oakland

$1569

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Oakland

1st place: Travelers

At $1002 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1065 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1240 for six months, making it the third cheapest auto insurance company in Oakland.

Oakland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakland, FL is Travelers, offering policies at just $1002 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1065.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $937 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakland drivers find the best deals.

Cheap Car Insurance Companies in Oakland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1002	$169
State Farm	$1065	$179
Nationwide	$1240	$209
United Automobile Ins Group	$1339	$223
Progressive	$1397	$235
UAIC	$1397	$233
MetLife	$1473	$251
Farmers	$2340	$390
Mercury	$2526	$429
Allstate	$2544	$428
Metropolitan Group	$937	$156

Key Takeaways

Way's key takeaways about car insurance in Oakland

The auto insurance costs in Oakland fall around $1002 for six months.
The cheapest auto insurance company in Oakland is Patrons Insurance.
Teen drivers pay the highest rate in Oakland at $1353 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Oakland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Oakland are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Oakland. Their Average 6 Month Premium is $123. Metropolitan Group is the most expensive at $372 for the same period.

Cheapest Liability Coverage in Oakland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$123	$21
Travelers	$372	$63
State Farm	$396	$67
Mercury	$419	$71
Nationwide	$466	$79
Farmers	$646	$108
AIG	$658	$112
Progressive	$687	$116
United Automobile Ins Group	$705	$120
UAIC	$762	$127
Allstate	$879	$148
Metropolitan Group	$372	$62

Cheapest Full Coverage Car Insurance in Oakland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Oakland is Travelers at $169 per month and $1002 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1002	$169
State Farm	$1065	$179
Nationwide	$1240	$209
United Automobile Ins Group	$1339	$223
Progressive	$1397	$235
UAIC	$1397	$233
MetLife	$1473	$251
Farmers	$2340	$390
Mercury	$2526	$429
Allstate	$2544	$428
Metropolitan Group	$937	$156

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Average Car Insurance in Oakland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Oakland, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Oakland, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oakland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oakland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1271
40s	Travelers	$959
50s	Travelers	$895
60s	Travelers	$882

Cheapest Car Insurance Rates for Teen Drivers in Oakland,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Oakland at $88 per month. At $7958 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$530	$88
AIG	$716	$122
Travelers	$1624	$273
State Farm	$2136	$360
UAIC	$3178	$530
United Automobile Ins Group	$3301	$562
Allstate	$5006	$843
Mercury	$6205	$1045
Progressive	$6631	$1116
Farmers	$7958	$1353

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Oakland.

As young drivers face the highest rates in Oakland, Travelers offers the cheapest auto insurance rates at $1271 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Oakland, Nationwide is the cheapest car insurance provider. At $634 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Oakland is Allstate, offering rates of around $5088 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$634	$108
Mercury	$693	$116
Direct General Insurance	$722	$123
Travelers	$1374	$231
UAIC	$1397	$237
Progressive	$2701	$450
Farmers	$3237	$551
State Farm	$4849	$809
Allstate	$5088	$865

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Car Insurance Rates with An Accident in Oakland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Oakland, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oakland

The cheapest car insurance companies after an at-fault accident in Oakland include Nationwide and AIG, offering $669 and $856, respectively. National General is an expensive provider with an average six-month premium of $1036.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$669	$112
AIG	$856	$145
Travelers	$966	$163
State Farm	$996	$168
United Automobile Ins Group	$1740	$290
Mercury	$1798	$303
UAIC	$1822	$304
Progressive	$2386	$402
Farmers	$3265	$544
Allstate	$4418	$744
National General	$1036	$176

Oakland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakland FL. For example, the car insurance in Oakland after a DUI increases to $919 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Oakland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1788	$298
One Med/PIP claim	$1788	$304
Not-at-fault accident	$1933	$322
Two Med/PIP claims	$1985	$337
One comp claim	$2014	$336
Child safety restraint	$2020	$343
Failure to wear a seat belt	$2020	$337
Driving without lights	$2026	$344
Failure to show documents	$2026	$338
Speeding 6 - 10 MPH over limit	$2067	$352
Improper passing	$2073	$345
Passing school bus	$2073	$353
Wrong way/wrong lane	$2073	$345
Failure to stop at a red light	$2079	$354
Failure to yield	$2079	$346
Illegal turn	$2079	$354
Cell phone violation	$2084	$347
Driving with expired registration	$2084	$355
Following too closely	$2084	$347
Texting while driving	$2089	$356
Two comp claims	$2136	$356
Driving too slowly	$2148	$366
Speeding in school zone	$2148	$358
Speeding 11 - 15 MPH over limit	$2154	$367
In 65 MPH zone	$2230	$371
Speeding 16 - 20 MPH over limit	$2230	$379
Speeding 21 - 25 MPH over limit	$2241	$373
Open container	$2265	$385
Operating a vehicle without permission	$2265	$377
At-fault accident - less than $1000	$2457	$417
At-fault accident - $1000-$2000	$2497	$417
At-fault accident - greater than $2000	$2497	$424
Racing	$2701	$450
DUI	$2707	$461
Refusal to submit to a chemical test	$2707	$451
Driving with a suspended license	$2754	$468
Reckless driving	$2812	$468
Leaving scene of an accident/hit and run	$2841	$483

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Oakland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Oakland.

The cheapest car insurance premiums in Oakland are offered by AIG at $629 for a six-month policy. However, it can be as expensive as $780 with companies like National General.

Oakland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$629	$105
Travelers	$1002	$169
State Farm	$1216	$205
Progressive	$1228	$207
Allstate	$2235	$376
UAIC	$2463	$418
Farmers	$2661	$443
National General	$780	$130

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Oakland are offered by Nationwide at $547. However, it can be as expensive as $2841 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oakland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$547	$93
State Farm	$705	$119
Travelers	$844	$142
UAIC	$1397	$233
Allstate	$1601	$270
Progressive	$2311	$385
Farmers	$2841	$483

Car Insurance Price Trends in Oakland, Florida

Car insurance rates in Oakland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Oakland remained steady at $270 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Oakland remained steady at $82 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Oakland?

The car insurance in Oakland is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Oakland?

The cheapest car insurance in Oakland is $169 per month for full coverage.

How much is car insurance in Oakland for teenagers?

Car insurance for teenagers costs $530 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Oakland?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $264 per month to insure your car in Oakland.

Is car insurance expensive in Oakland?

Car insurance can be expensive in Oakland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oakland can be affordable.

Cheapest Car Insurance Quotes in Oakland

Why you can trust Way?

How Much Is Car Insurance in Oakland

Avg. Car Insurance in Oakland

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Oakland

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Oakland Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakland, FL

Way's key takeaways about car insurance in Oakland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakland

Cheapest Liability Coverage in Oakland, FL

Cheapest Full Coverage Car Insurance in Oakland

Cheapest Full Coverage Car Insurance Quotes in Oakland, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oakland, FL increasing?

Car Insurance Premiums by Age in Oakland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakland,FL

If you are in your twenties Travelers is the best choice for car insurance in Oakland.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Oakland

Cheapest Car Insurance Companies after an At-Fault Accident in Oakland

Oakland Car Insurance Rates by Violation

Oakland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakland after a DUI

Oakland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakland after Speeding ticket

Car Insurance Price Trends in Oakland, Florida

Average Car Insurance Cost in Oakland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakland, FL

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources